I do't know about GMRS or FRS, but I would monitor at last 19 and possibly 13 on CB. However having said that, one can obtain a "Tech" license easy enough, check one of the local ham radio clubs, just do a Google search or go to ARRL website and they will have the info on how to obtain a "ham license". The Tech will allow you to at least get on the 2 meter band and the 70 centimeter band. You can pick up a decent dual band HT (Handy Talky) for a reasonable price. Major brands, Yaesu, Kenwood, Icom, etc. Stay away from Boefang(?) etc, here are low quality and leave a lot to be desire. Besides, using a ham radio you have a lot more wattage available for transmitting. Both of you can take the test and be licensed ham radio operators! Hope I haven't confused you to much, but I would at least look into it.
73's Mike KN5P